Search found 456 matches

by OnTrack
Sat Jun 15, 2019 11:58 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 11
Views: 873

Re: Radon levels in home

Additionally, we just had a new furnace and air conditioner installed and the furnace has a variable speed motor, which means the fan is always on, taking air from the entire house and essentially recirculating it to eliminate temperature fluctuations. I have a furnace with a variable speed motor, ...
by OnTrack
Fri Jun 14, 2019 11:35 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 53
Views: 3642

Re: Anyone buy Security Cams from Costco?

Several posts have mentioned a standalone POE switch. However, some NVRs have POE built in, so cameras can be connected directly to the NVR using Ethernet cables (e.g. Cat 5e or cat 6). That way the cameras are powered by the Ethernet cable and batteries are not needed. Here is an example on YouTube...
by OnTrack
Tue Jun 11, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2364

Re: Laminating important documents - a good idea?

I know someone who's social security card was not accepted by the DMV when applying for a driver's license because it was laminated. The person was not arrested though :happy . I actually find it strange that social security cards are used for identification purposes. Mine actually says right on th...
by OnTrack
Tue Jun 11, 2019 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 3617

Re: Late Life/End of Life Expenses

It is a good idea to have documents in place so that an individual's healthcare choices are documented. This may include documents such as the following as appropriate: - advanced medical directive/living will - medical durable power of attorney - DNR ( do not resuscitate) - DNI (do not intubate) - ...
by OnTrack
Mon Jun 10, 2019 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2364

Re: Laminating important documents - a good idea?

I have been asked to show birth certificate and social security card. Mine is laminated. I haven't been sent to jail yet. (Nor has anyone cared.) I know someone who's social security card was not accepted by the DMV when applying for a driver's license because it was laminated. The person was not a...
by OnTrack
Mon Jun 03, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4257

Re: Amazon free shipping, bait-and-switch?

Note that there are these conditions: Do one of the following: To place the order using the shopping cart: Proceed to checkout. Ship your items to a single U.S. address in one of the 50 states. Select Group my items into as few shipments as possible as your shipping preference. Select FREE Shipping ...
by OnTrack
Mon Jun 03, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4257

Re: Amazon free shipping, bait-and-switch?

I'm not a prime member and I get these options for the link for braun: Choose a delivery option: FREE Two-Day Shipping on this order: Get fast, free delivery on this order by selecting "FREE Two-Day Shipping with a free trial of Amazon Prime" below. Wednesday, June 5 FREE Two-Day Shipping with a fre...
by OnTrack
Mon Jun 03, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4257

Re: Amazon free shipping, bait-and-switch?

Perhaps next time take a screen shot where it says there is free shipping and a screen shot where there are only paid shipping options. That might help to contest the fee. Also, if you post proof on social media, perhaps they will be shamed into fixing the problem. I haven't had that problem myself....
by OnTrack
Sun Jun 02, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: [Longevity effects of The Great Depression on investing]
Replies: 25
Views: 1376

Re: [Longevity effects of The Great Depression on investing]

For people living in agricultural communities, there was an agricultural depression that lasted the entire decade of the 1920s. So For these communities, there was a decade long farm depression followed immediately with no break by the Great Depression. The 1920 census marked the first time in which...
by OnTrack
Sun May 26, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: Need help with landline service
Replies: 8
Views: 767

Re: Need help with landline service

mhalley wrote:
Sun May 26, 2019 8:59 pm
Switching to Ooma would prbly be cheaper, 10$ a month.
My Comcast landline is $10 per month (there might be some taxes also). I have an AT&T answering machine and don't use Comcast voice mail. I never had any complaints about "answering service not available."
by OnTrack
Sat May 25, 2019 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Probate costs?--I am the sole heir and the executor
Replies: 65
Views: 5800

Re: Probate costs?--I am the sole heir and the executor

This is an interesting tangent. I know that the value of living trusts is downplayed on the forum, but I can't help but wonder if they just make this all simpler. If the probate estate is zero, none of this is even a concern. I share your perspective. My mother has a car outside her trust. No proba...
by OnTrack
Sun May 19, 2019 11:55 pm
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7337

Re: Dividends almost Doubled between 2013 and now

It was hoped that this would spur massive increases in employment and capital goods spending but in practice it has mostly been spent on increasing dividends and corporate stock buybacks, giving money back to investors. Repatriation of foreign profits has now slowed now to a trickle. The sugar high...
by OnTrack
Sun May 19, 2019 3:15 pm
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7337

Re: Dividends almost Doubled between 2013 and now

It was hoped that this would spur massive increases in employment and capital goods spending but in practice it has mostly been spent on increasing dividends and corporate stock buybacks, giving money back to investors. Repatriation of foreign profits has now slowed now to a trickle. The sugar high...
by OnTrack
Mon May 13, 2019 10:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1917204

Re: U.S. stocks in free fall

Got it. NLY is indeed a very different animal than VNQ. Like VNQ, not a big down day today compared to the broad stock markets, at about -0.6% (price = 9.56). However, unlike VNQ, it's down about -11.3% from its 52-week high, and only about 0.6% above its 52-week low of 9.50, which was earlier toda...
by OnTrack
Thu Apr 25, 2019 11:17 am
Forum: Personal Investments
Topic: 14 years old and looking for investment advice
Replies: 37
Views: 3461

Re: 14 years old and looking for investment advice

Start with the Wiki. Also, to invest you will need to open up an account with a parent as primary owner. I don't think this is quite correct. The account needs to be opened as a custodial account with a parent or guardian as the custodian, but the money can only be used for the benefit of the minor...
by OnTrack
Tue Apr 16, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: Travel Tips -- Santa Fe, Taos, etc.
Replies: 32
Views: 1427

Re: Travel Tips -- Santa Fe, Taos, etc.

Be sure to order sopapillas for dessert when in NM!
by OnTrack
Tue Apr 16, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 6208

Re: What defines "income" on a retiree's credit card application?

... The fact you could take MORE than the RMD is a judgement call. Do you really plan to liquidate all your 401k/tax deferred at once, then yes IRS would call that income. You can even report that to a credit card issuer, but next year you better update your income with the credit card issuer when ...
by OnTrack
Tue Apr 16, 2019 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17844

Re: Bogleheads, why won't anyone hire me?

Unemployment rate for college grads is around 2.1% based on latest data. Getting a job may require: The OP has a job, so he or she is part of the 97.9% of college grads in the work force with a job. The quoted statistic does not specify how many of those employed are working at jobs that don't requ...
by OnTrack
Mon Apr 15, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 6208

Re: What defines "income" on a retiree's credit card application?

From: https://www.nerdwallet.com/blog/credit-cards/credit-card-companies-lying-application/ "Can Credit Card Companies Tell If You Lie on an Application?" "If you knowingly report any inaccurate data on a credit application, you’re committing fraud. Credit fraud can cost up to $1 million in fines an...
by OnTrack
Thu Apr 11, 2019 9:09 pm
Forum: Personal Investments
Topic: TD Ameritrade Performance Tracking
Replies: 18
Views: 3598

Re: TD Ameritrade Performance Tracking

You could use the spreadsheet available here: https://www.bogleheads.org/wiki/Calculating_personal_returns You would need to enter each month any money added or removed from the account and the account value at the end of the month. Edit: You also need to enter a starting balance. It gives money-wei...
by OnTrack
Wed Apr 10, 2019 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17844

Re: Bogleheads, why won't anyone hire me?

"Recent grads who end up in jobs that didn’t require a college degree are five times as likely to still be in such a position five years later, compared with those who put their diploma to use right away." "Ten years later, three-quarters of graduates who took jobs early on that didn’t demand a degr...
by OnTrack
Mon Apr 08, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Can you buy a new car with a cashiers check without unfreezing a credit freeze?
Replies: 68
Views: 4223

Re: Can you buy a new car with a cashiers check without unfreezing a credit freeze?

I've been told more than once by new car dealers that I must fill out a complete credit application and agree to (and pay for) a credit check even if I'm paying with a personal or cashier's check. Because of this they said there's no reason to go through the trouble to get a cashier's check. They s...
by OnTrack
Mon Apr 08, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Can you buy a new car with a cashiers check without unfreezing a credit freeze?
Replies: 68
Views: 4223

Re: Can you buy a new car with a cashiers check without unfreezing a credit freeze?

Thanks for that link. Once the price is agreed on, and I come in with a cashiers check for the drive out price they have given me, is there any other tricky stuff they will try at the closing? I ask for an "out the door" price meaning that I expect registration, all taxes, and fees to be included i...
by OnTrack
Sun Apr 07, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: The real impact of inflation on Retired Folks?
Replies: 101
Views: 8004

Re: The real impact of inflation on Retired Folks?

I have a question. Currently part of the Federal Reserve Banks mission is to control inflation. Were they actively trying to do this during the high inflation periods we have seen in the past? In the 70s there was stagflation, both high inflation and high unemployment. Arthur Burns served as Fed Ch...
by OnTrack
Sat Apr 06, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question about social security
Replies: 5
Views: 910

Re: Question about social security

I was born after 1960 so my full retirement is at age 67. At that time my wife will be 64 If i start receiving soc sec at 67 can she get the half of what i get at the same time or she has to wait until 67? First, if your wife files for benefits after you have claimed your benefits, the Social Secur...
by OnTrack
Sat Apr 06, 2019 7:13 pm
Forum: Investing - Theory, News & General
Topic: The real impact of inflation on Retired Folks?
Replies: 101
Views: 8004

Re: The real impact of inflation on Retired Folks?

At an inflation rate of 2.34%, $50,000 in expenses in today's dollars will cost $70,738 in 15 years and $100,077 in 30 years. So a fixed annuity or pension will only have 1/2 the purchasing power after 30 years at that rate of inflation. Note: I'm not against fixed annuities or pensions but people s...
by OnTrack
Sat Apr 06, 2019 12:27 am
Forum: Investing - Theory, News & General
Topic: The real impact of inflation on Retired Folks?
Replies: 101
Views: 8004

Re: The real impact of inflation on Retired Folks?

https://en.m.wikipedia.org/wiki/Warren_Buffett "The arithmetic makes it plain that inflation is a far more devastating tax than anything that has been enacted by our legislatures. The inflation tax has a fantastic ability to simply consume capital. It makes no difference to a widow with her savings ...
by OnTrack
Mon Mar 25, 2019 1:39 am
Forum: Investing - Theory, News & General
Topic: 10 Year/3 Month Treasuries Inversion
Replies: 100
Views: 8415

Re: 10 Year/3 Month Treasuries Inversion

I have a vague memory something like "the yield curve inversion has predicted 15 of the last 10 recessions". :D "The stock market has predicted nine of the past five recessions—a joke from master Keynesian of decades ago Paul Samuelson." https://www.forbes.com/sites/briandomitrovic/2018/11/22/the-s...
by OnTrack
Sun Mar 24, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you find high paying jobs?
Replies: 72
Views: 5501

Re: Where do you find high paying jobs?

https://sf.curbed.com/2018/6/26/17505550/low-income-limit-2018-salary-san-francisco-families-hud "Six-figure salary now considered ‘low-income’ in SF, according to feds" In 2017, "... HUD assessed the city’s median household income at more than six figures, $101,200/year at the time." A little bit o...
by OnTrack
Sun Mar 24, 2019 1:38 am
Forum: Personal Investments
Topic: Should I roll over my retirement plan?
Replies: 12
Views: 1298

Re: Should I roll over my retirement plan?

Retirement plans such as 401(k) or state employees retirement or federal plans have much stronger protection against creditors. If you are sued for some reason the IRA doesn’t have much protection at all. IRAs do not have federal creditor protection, but about 90% of states have full state creditor...
by OnTrack
Sat Mar 23, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: 10 Year/3 Month Treasuries Inversion
Replies: 100
Views: 8415

Re: 10 Year/3 Month Treasuries Inversion

Previous 3 recessions, mapped to 10 yr/3 month https://farm8.staticflickr.com/7848/40479412193_4267ddf2a7_z_d.jpg There are so many inversions in this graph. Why only inversion close to recession is called out leaving every other inversion? Is there a thing called % inversion or inversion for X dur...
by OnTrack
Sat Mar 23, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: 10 Year/3 Month Treasuries Inversion
Replies: 100
Views: 8415

Re: 10 Year/3 Month Treasuries Inversion

After a decade of QE and with interest rates low here here and 0 or below 0 in most of the industrialized world, the Fed is already out of conventional ammo. Furthermore, during the last recession there was massive deficit spending to help stimulate the economy. The US federal public debt as a perc...
by OnTrack
Sat Mar 23, 2019 7:02 pm
Forum: Investing - Theory, News & General
Topic: 10 Year/3 Month Treasuries Inversion
Replies: 100
Views: 8415

Re: 10 Year/3 Month Treasuries Inversion

Second sign of a real problem, 30-50% unemployment, we are no where near that. Last time we had a problem like that was in the real Great Depression. I don't think even during the Great Depression unemployment was that high. https://en.m.wikipedia.org/wiki/Great_Depression "Unemployment in the U.S....
by OnTrack
Thu Mar 21, 2019 12:00 am
Forum: Personal Consumer Issues
Topic: Question about house wrap on new home construction
Replies: 5
Views: 707

Re: Question about house wrap on new home construction

I would ask that the plywood be covered. Also, joints should be taped with tape designed for house wrap. I don't know about these brands, but my preference is Tyvek brand due to it's properties of keeping liquid water from entering the house but allowing water vapor to exit the house (all house wrap...
by OnTrack
Sat Mar 16, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Ownership--Transfer on Death?
Replies: 7
Views: 447

Re: Life Insurance Ownership--Transfer on Death?

Don't understand the question. The insured person, the owner, and the beneficiary have different meanings. The insured person could be the owner but doesn't have to be. In any case the proceeds should be paid to the beneficiary without going through probate. What you may be thinking of is estate tax...
by OnTrack
Sat Mar 16, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Pay life insurance premium with cash value?
Replies: 22
Views: 1137

Re: Pay life insurance premium with cash value?

... Nearly all of her assets are tied up in IRAs (not Roth) and she’s square in the middle of the point where any additional unnecessary IRA withdrawals cause her social security to be taxed at 85%. Would it make sense to use the cash value in the policy to pay the premiums for a while? Another opt...
by OnTrack
Fri Mar 15, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Home alarm system / Internet camera recommendations
Replies: 16
Views: 1484

Re: Home alarm system / Internet camera recommendations

You might want to consider whether monitoring is necessary. The following video has some comments on that topic from 33:00 to 37:00. Basically about the high cost to police departments and that the police usually will arrive too late even if the alarm is real. Also, having a dog (even a Golden Retri...
by OnTrack
Thu Feb 28, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4430

Re: Going to "cash-only" restaurants?

I usually pay cash at restaurants, partly because I'm concerned with the card becoming compromised. I used to pay cash for groceries also, but finally decided I was giving up too much in cash back rewards. I think credit card fees to the business owner are way too high, so I do completely understand...
by OnTrack
Thu Feb 28, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Taxes due on Savings Bonds
Replies: 7
Views: 1425

Re: Taxes due on Savings Bonds

How did she cash them? If cashed at a bank, the bank should send a 1099 with the amount of interest. I don't think the IRS is responsible for sending this information. Another way, If you know the face value of the bonds, you should be able to figure how much the bonds originally cost (EE bonds cost...
by OnTrack
Wed Feb 27, 2019 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT
Replies: 12
Views: 1108

Re: Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT

What percentage of the activity was each bonus? If within the fees earned by the bank, then I could see it being considered a rebate.
by OnTrack
Wed Feb 27, 2019 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Withholding Suddenly Changed 2 Months into 2019
Replies: 22
Views: 1431

Re: Withholding Suddenly Changed 2 Months into 2019

I compared the 2019 tables to the 2018 (Notice 1036 https://www.irs.gov/pub/irs-pdf/n1036.pdf ) tables for bi-weekly and they appear to be the same. Did you actually look at where that link takes you? That’s an early release version of the 2019 tables. Nothing to do with the 2018 tables. The withho...
by OnTrack
Wed Feb 27, 2019 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Withholding Suddenly Changed 2 Months into 2019
Replies: 22
Views: 1431

Re: Withholding Suddenly Changed 2 Months into 2019

I compared the 2019 tables to the 2018 (Notice 1036 https://www.irs.gov/pub/irs-pdf/n1036.pdf ) tables for bi-weekly and they appear to be the same. Did you actually look at where that link takes you? That’s an early release version of the 2019 tables. Nothing to do with the 2018 tables. The withho...
by OnTrack
Wed Feb 27, 2019 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Withholding Suddenly Changed 2 Months into 2019
Replies: 22
Views: 1431

Re: Withholding Suddenly Changed 2 Months into 2019

The 2019 withholding tables will result in more withholding vs 2018. For those who wish to get into it, the official IRS withholding tables for 2019 can be found here . I compared the 2019 tables to the 2018 (Notice 1036 https://www.irs.gov/pub/irs-pdf/n1036.pdf ) tables for bi-weekly and they appe...
by OnTrack
Mon Feb 25, 2019 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Death, heir hunters, and compromised lawyers
Replies: 36
Views: 4655

Re: Death, heir hunters, and compromised lawyers

Since it appears your relative did not even name beneficiaries on her accounts, I would try to get it put of your head that you are entitled to anything, and simply let the process run its course. Disagree. In general, each state has very specific rules regarding who should get property when there ...
by OnTrack
Wed Feb 20, 2019 1:53 am
Forum: Personal Investments
Topic: Advice for parking cash
Replies: 14
Views: 1859

Re: Advice for parking cash

- Schwab cali muni money fund (SWKXX). I am in California and in 35% tax bracket filed jointly, so with SS, medicare and state tax it almost go to 50%, hitting AMT last year (but haven't checked this year yet). Thus I am looking into tax-exempt options. As schwab advertised the after-tax yield of S...
by OnTrack
Wed Feb 20, 2019 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 41608

Re: What to do with your mortgage when losing a job in your 50's...

You have a year to use up your 6-months worth of benefits. So you can skip weeks if you want to if you go on vacation and aren't actually actively job searching. But given how easy it is to job search online I hardly see they point. It may vary by state, but at least in one state I know of, a requi...
by OnTrack
Thu Feb 07, 2019 12:45 am
Forum: Personal Consumer Issues
Topic: Carvana
Replies: 42
Views: 4121

Re: Carvana

For those that have used Carvana, how did you choose the make/model? I don't think I would be comfortable buying a car "completely online" as the commercial says. That would seem to exclude test driving various models, evaluating the seat comfort, etc.
by OnTrack
Wed Feb 06, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card dispute - denied
Replies: 141
Views: 9193

Re: Chase credit card dispute - denied

When you rent a car, don't you have to electronically sign your name on one of those signing pads? Also, don't they have to input your driver license number? I have always had to produce my driver's license and the credit card I am using when I rent a car. With Avis Preferred, you can generally go ...
by OnTrack
Tue Feb 05, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card dispute - denied
Replies: 141
Views: 9193

Re: Chase credit card dispute - denied

Last year I had a similar issue. During a trip to IKEA, I was erroneously charged for several hundred dollars worth of merchandise I did not intend to purchase. IKEA manager tried to reverse the charge on the same day, but it still eventually posted and I never received a credit. After several week...